Senior Commercial Lender

Cornerstone Capital Bank; Houston (TX); On-site; USD 120,000 - 190,000; Full time

Benefits offered by this job

Medical, Dental, Vision

Life Insurance

401K

Parental Leave

Short-Term Disability

Long-Term Disability

FSA/HSA

Bonus potential

Job summary

Cornerstone Capital Bancorp seeks a Senior Commercial Banker in Houston to source, manage, and grow portfolios of complex commercial loans and corporate accounts. You will advise businesses on financing, analyze credit risk, and collaborate with Treasury and Credit Underwriting to ensure creditworthiness.

You will originate loans, negotiate terms, and close deals while delivering exceptional customer service and building strong client relationships across the community and professional networks.

Qualifications

• Formal credit training is preferred.
• Strong attention to detail.
• Must be a self-starter and able to demonstrate problem-solving and critical-thinking skills.
• Quick learner and adaptable.
• Excellent interpersonal and relationship-building skills.
• Effective oral and written communication skills.
• Expert-level knowledge of credit underwriting, financial modeling, and CRM/banking software (e.g., Salesforce, nCino).
• Bachelor's degree in Accounting, Marketing, Business Administration, Finance or related field preferred.
• 8+ years of commercial lending experience within CRE, C&I, community, energy, or middle-market sectors.

Responsibilities

• Source, manage, and grow portfolios of complex commercial loans and corporate accounts.
• Advise businesses on financing and analyze credit risk.
• Coordinate credit underwriting, loan negotiations, and closing.
• Provide strong customer service and maintain positive banking relationships.
• Cultivate prospects through referrals, networking, and community involvement.
• Manage client portfolios and monitor risk and performance.
• Assemble financial information and prepare complete loan packages for approval.
• Comply with banking and regulatory requirements.

Skills

Credit underwriting

Financial modeling

CRM software

Salesforce

nCino

Interpersonal skills

Communication skills

Problem solving

Attention to detail

Self-starter

Education

Bachelor's degree in Accounting, Marketing, Business Administration, Finance or related field

Tools

Salesforce

nCino

CRM software

Job description

Cornerstone Capital Bancorp, Inc., headquartered in Houston, is a Texas-based financial services company dedicated to helping families, businesses, and communities thrive. Through its primary subsidiary, Cornerstone Capital Bank, the organization operates a community and business banking franchise alongside a premier national home lending, servicing, and home insurance platform-based financial services company dedicated to helping families, businesses, and communities thrive.

Guided by a core Mission, Vision and Convictions statement, Cornerstone operates 17 full-service banking locations across major Texas markets and more than 150 mortgage offices nationwide. The company has served nearly 700,000 customers through its family of brands, including Cornerstone Home Lending, Roscoe Bank, Peoples Bank, Cornerstone Servicing, and Cornerstone Insurance. Supported by 1,600 team members, Cornerstone is consistently recognized as a Fortune-certified Great Place to Work® and a Top Workplace.

Formed through the combination of Cornerstone Home Lending and The Roscoe State Bank, Cornerstone brings more than a century of experience and is the highest-capitalized new bank in Texas history.

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Who we are looking for:

The Senior Commercial Banker is a senior relationship manager who sources, manages, and grows portfolios of complex commercial loans and corporate accounts. They advise businesses on financing, analyze credit risk, and cross-sell cash management and treasury services.

What you’ll do:

• Use your expert financial acumen to provide suggestions and solutions to our clients and prospective customers while focusing on the client’s financial goals.
• You’ll work with our internal teams, including but not limited to Treasury and Credit Underwriting, to determine the creditworthiness of applicants and potential borrowers.
• You’ll originate (including negotiation with client, loan approval, legal documentation and closing) the loan when deemed applicants are creditworthy.
• Demonstrate strong customer service through attentiveness, listening and connecting with customers, and processing transactions quickly and accurately while providing a positive banking environment.
• Cultivate prospects through client referrals, networking, social media, sales calls, and participation in professional organizations, social contacts, and relationships built in the community.
• Manage, maintain, and review client portfolios as necessary to monitor risk and success.
• Responsible for assembling financial information and coordinating the generation of complete loan packages for approval presentation.
• Act in accordance with all required banking and regulatory requirements.

What you’ll need to be successful:

Success in this job relies on your time management skills, organization, and positive attitude. In addition, you’ll need the following qualifications:

• Formal credit training is preferred.
• Strong attention to detail
• Must be a self-starter and able to demonstrate problem-solving and critical-thinking skills
• Quick learner and adaptable
• Excellent interpersonal and relationship-building skills
• Effective oral and written communication skills
• Expert-level knowledge of credit underwriting, financial modeling, and CRM/banking software (e.g., Salesforce, nCino).
• Bachelors degree in Accounting, Marketing, Business Administration, Finance or a related field preferred.
• This position requires 8+ years of commercial lending experience within CRE, C&I, community, energy, or middle-market sectors.

What we offer:

• Because we recognize and reward hard work, we offer a competitive salary, Medical, Dental, Vision, Accidental Death, Long-Term Disability, Short-Term Disability, FSA, HSA, 401K, Basic Life, Voluntary Life, and Paid Parental Leave benefits, as well as the opportunity for a performance-based bonus based on position and department.